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Curve adds 1% cashback to its cards – you can double-dip with your Visa and Mastercard rewards

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Curve Card, the ‘all your cards [unless they are Amex] on one card’ card, has just launched its new rewards program, called Curve Cash.

As a reminder, Curve offers to consolidate your entire card portfolio into one card, letting you pay with a Curve Card and re-charging your preferred linked credit or debit card.

Key benefits of Curve Card for points collectors include:

being able to pay abroad and have the charge re-charged (in £) to your linked miles and points Visa or Mastercard, with either a 0% or a very low FX fee – far lower than the standard 3% on your underlying card

being able to withdraw £200 of cash from an ATM every 30 days and have it recharged as a PURCHASE to your linked Visa or Mastercard (unless it is a NatWest, RBS or Tesco card)

It is particularly useful in combination with rewards credit cards in situations in which retailers do not (or charge a premium to) accept credit cards but do take debit cards.  HMRC is a good example – you can pay your tax with Curve and have it recharged to your linked credit card as a purchase, earning reward points.  Last week we looked at the value of signing up for a Curve Card.

Curve Cash lets you ‘double up’ on your rewards

This new program works in addition to reward programs on your underlying cards.  This means you can ‘double dip’ on spend you push through your Curve Card.

The new scheme offers cashback at many top retailers.  You get different benefits depending on which card you hold:

Curve Blue (the free version): 1% instant cashback on up to three pre-selected retailers for 90 days.

Curve Black: 1% instant cashback on up to three pre-selected retailers indefinitely

Curve Metal: 1% instant cashback on up to six pre-selected retailers indefinitely

You can select the retailers you earn cashback at.   The choice includes top brands such as Amazon, Apple, Sainsbury’s, Waitrose, Tesco, M&S, Pret, TFL, Uber, Gett, Spotify and Netflix.  This is the full UK list:

Aldi
Amazon
American Golf
Apple
Arcadia Group
Argos
Asda
Ask Italian
ASOS
B&Q
Belgo
Bella Italia
Booking.com
Boots
BP
Burger King
Burton
Byron
Café Rouge
Caffè Nero
Carpetright
Clarks
Costa Coffee
Cowshed
Debenhams
Deliveroo
Dorothy Perkins
easyJet
EAT
Electric Cinema
Ernest Jones
Everyman
Feelunique
Foodora
Four Seasons Hotels
Gap
Gett
Goldsmiths
H.Samuel
H&M
Halfords
Honest Burgers
House of Fraser
IKEA
Intermarche
itsu
John Lewis
Just Eat
La Poste
Laithwaites Wine
Leon
Leslie Davis
Lidl
Marks & Spencer
Marriott International
McDonald’s
Miss Selfridge
Moss Bros.
Mothercare
Nando’s
National Express
Nero Express
Netflix
New Look
Ocado
Outfit
Papa John’s Pizza
Pizza Express
Planet Organic
Pret a Manger
River Island
Sainsbury’s
Selfridges
Shell
Spafinder
Spotify
Starbucks
T.G.I. Friday’s
Tate
Tesco
TFL
The White Company
The Works
Thorntons
Topman
Topshop
Trainline
Uber
Virgin Experience
Virgin Trains
Wahaca
Waitrose
Wallis
Waterstones
Whole Foods
Wilko
Wyevale Garden Centres
Yo! Sushi
Zara
Zizzi

A quick back-of-the-envelope guestimate is that a Curve Black cardholder should be able to easily earn £5 cashback per month (50% of the monthly fee) and a Curve Metal cardholder £7.50 (60% of the monthly fee if you are on the £150/year option).

This assumes that your top three choices account for £500 per month of spending (let’s say TFL, Pret and Waitrose) and your top six choices account for £750.

It could be a lot more, of course.  If you have a family and are spending £100+ per week at Waitrose, Asda, Tesco, Lidl, M&S, Aldi or Sainsbury’s then you would generate £5 per month just from your top merchant.

This is a fairly good selection although you should do the maths before you select your retailers.  Netflix and Spotify, for example, would yield fairly low cashback despite their recurring transactions: 1% on £9.99 is only 9p a month.  You are likely to spend far more at supermarkets, Amazon or TFL.

If you use a Visa or Mastercard as your primary rewards credit card – which probably means you focus on the Virgin, Lufthansa or IHG Premium products instead of a BA Amex – you should do the maths to see if Curve Cash makes it worthwhile getting a Curve Card.

If nothing else, Curve Cash should be worth at least £10 to you if you apply for the free Curve Blue if you spend £300 per month at your chosen Curve Cash retailers.  After 90 days, however, the free Curve Blue stops giving rewards.

You can find out more about Curve Card in our full recent review here.

PS.  If you applied for Curve before February 2018, you will remain by default on the old Curve Rewards scheme.  This has a smaller list of merchants but a higher cashback rate.  You can switch to Curve Cash by contacting Customer Services.  This may not make sense for everyone, depending on which plan you are on – you should have received an email in the last 48 hours explaining your options.

PPS. Curve will pay you £10 for trying it out if you use our link.


Want to earn more points from credit cards? – September 2022 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

The Platinum Card from American Express

60,000 points, £200 travel credit and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

50,000 points bonus until 2nd October – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback and no annual fee Read our full review

Comments (111)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Paul says:

    TfL*

  • Gill says:

    Currently about to hit £100,000 limit on my Curve. Anyone managed to get higher limit?

  • Graham Walsh says:

    I am legacy black and when I go into the section for Earn Curve Rewarads I just get a See Retailers button which takes me to a web page. I’ve not earned any rewards since a referral in Nov 18. Starting to give up on Curve and find another FX card.

    • Graham Walsh says:

      What I forgot to mention was, there is no where to select my 3 retailers in the app.

  • James says:

    Would eligible supermarket spend include fuel from their own filling stations?

    How does one receive the reward and in what form? How regularly?

    • Genghis says:

      Curve wallet (which you then select effectively as an underlying card and spend from). Instantly.

  • Stephen says:

    How does using Curve to credit directly to Virgin, compare with using Tesco Debit card for Clubcard points which can then be converted (with bonus) for HMRC payments?

    • Genghis says:

      Virgin + = 1.5/£
      Virgin normal = 0.75 / £
      Tesco debit assuming 20% bonus = 0.375 / £

  • Geoff says:

    Any concern with using Curve for Internet shopping, in terms of Consumer Rights Act?

  • Alex W. says:

    Hey Rob,

    Long time follower, first time poster 🙂

    Any update on the whole Amex/Curve situation?

    Thanks in advance.

    • Rob says:

      Very, very unlikely to see it back in the medium term.

      • Alex W. says:

        Thanks for the reply Rob.

        Fair enough but such a shame really.

        Appreciate the assistance.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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